Predicting Account Holder Travel Without Transaction Data

1. A method of anticipating future travel, the method comprising: identifying a travel-related cookie from a plurality of cookies with a processor, when a web site address of the travel-related cookie is associated with a travel web site, each cookie of the plurality of cookies containing: an Internet Protocol address associated with a browsing computer and the web site address; identifying, with the processor, a customer account associated with the travel-related cookie by comparing the Internet Protocol address of the browsing computer with a database of known customer Internet Protocol addresses, the database being stored on a non-transitory computer-readable storage medium, the customer account containing contact information of the customer; using the contact information to send the customer a travel-related notification via a network interface.

2. The method of claim 1 , wherein the travel web site is an airline, hotel, travel search web site, or travel agency.

3. The method of claim 2 , further comprising: determining, with the processor, an associated travel transaction using the customer account.

4. The method of claim 3 , wherein the associated travel transaction is a purchase of a plane ticket, purchase of a rail ticket, rental car reservation, or cruise reservation.

5. The method of claim 4 , wherein the customer account further contains a Primary Account Number or checking account number.

6. The method of claim 5 , further comprising: factoring the associated travel transaction into future fraud scoring with the processor.

7. The method of claim 6 , wherein the travel-related notification is via an electronic mail notification, a text message, or an application running on the browsing computer.

8. A system of anticipating future travel, the system comprising: a processor configured to identify a travel-related cookie from a plurality of cookies with a processor, when a web site address of the travel-related cookie is associated with a travel web site, each cookie of the plurality of cookies containing: an Internet Protocol address associated with a browsing computer and the web site address, the processor further configured to identify a customer account associated with the travel-related cookie by comparing the Internet Protocol address of the browsing computer with a database of known customer Internet Protocol addresses, the database being stored on a non-transitory computer-readable storage medium, the customer account containing contact information of the customer; and a network interface is configured to use the contact information to send the customer a travel-related notification.

9. The system of claim 8 , wherein the travel web site is an airline, hotel, travel search web site, or travel agency.

10. The system of claim 9 , wherein the processor is further configured to determine an associated travel transaction using the customer account.

11. The system of claim 10 , wherein the associated travel transaction is a purchase of a plane ticket, purchase of a rail ticket, rental car reservation, or cruise reservation.

12. The system of claim 11 , wherein customer account further contains a Primary Account Number or checking account number.

13. The system of claim 12 , further comprising: factoring the associated travel transaction into future fraud scoring with the processor.

14. The system of claim 13 , wherein the travel-related notification is via an electronic mail notification, a text message, or an application running on the browsing computer.

15. A non-transitory computer readable medium encoded with data and instructions, when executed by a computing device the instructions causing the computing device to: identify a travel-related cookie from a plurality of cookies with a processor, when a web site address of the travel-related cookie is associated with a travel web site, each cookie of the plurality of cookies containing: an Internet Protocol address associated with a browsing computer and the web site address; identify, with the processor, a customer account associated with the travel-related cookie by comparing the Internet Protocol address of the browsing computer with a database of known customer Internet Protocol addresses, the database being stored on a non-transitory computer-readable storage medium, the customer account containing contact information of the customer; use the contact information to send the customer a travel-related notification via a network interface.

16. The non-transitory computer-readable storage medium of claim 15 , wherein the travel web site is an airline, hotel, travel search web site, or travel agency.

17. The non-transitory computer-readable storage medium of claim 16 , wherein the processor is further configured to: determine an associated travel transaction using the customer account.

18. The non-transitory computer-readable storage medium of claim 17 , wherein the associated travel transaction is a purchase of a plane ticket, purchase of a rail ticket, rental car reservation, or cruise reservation.

19. The non-transitory computer-readable storage medium of claim 18 , wherein the customer account further contains a Primary Account Number or checking account number.

20. The non-transitory computer-readable storage medium of claim 15 , further comprising: factoring the associated travel transaction into future fraud scoring with the processor.